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Can New and Alternative Credit-Scoring Tools Mean Greater Access to Credit?

Experts believe that many consumers are being shut out of opportunities to access credit. Our research indicates that more than 6.3 million mortgages may be missing from the market from 2009 to 2015 because of unreasonably tight mortgage lending standards. Congress has taken aim at credit-scoring models as one way to improve the situation, and the nation’s largest mortgage players, Fannie Mae and Freddie Mac, have been studying how trended data, alternative credit models, and updated credit-scoring systems may ease underwriting. Will new credit-scoring models help? What alternatives are there?

Join us as experts in the credit field discuss recent research and data analysis about expanding credit access to borrowers looking to enter the mortgage market.



  • Congressman Ed R. Royce (CA-39)
  • Congresswoman Terri A. Sewell (AL-7)
  • Joanne M. Gaskin, senior director for scores and analytics, FICO
  • Alanna McCargo, codirector, Housing Finance Policy Center, Urban Institute​
  • Michele Raneri, vice president for analytics and business development, Experian
  • Mike Trapanese, senior vice president for strategy and alliances, VantageScore
  • ​Sarah Rosen Wartell, president, Urban Institute 

For inquiries regarding this event, please contact [email protected].

Date & Time Tuesday, March 21, 2017
Urban Institute 2100 M Street NW
5th floor
Washington , DC , 20037
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  • President